Hoʻopule
Inā he mea hou ʻoe i ka pāʻani kūʻai hale, kahaha paha ʻoe i ka nui o ka jargon āu i lohe ai a heluhelu ai. Hiki iā ʻoe ke loaʻa ka moraki paʻa a i ʻole ka uku hoʻololi. Hiki iā ia ke loaʻa i kahi manawa o 15 a i ʻole 30 mau makahiki, a i ʻole he manawa maʻamau. A nui hou aku.
ʻIke ʻia e hoʻoholo ʻoe i ke ʻano o ka moraki kūpono iā ʻoe. Akā, ma mua o kou hoʻoholo ʻana inā kūpono ka moraki paʻa iā ʻoe, pono ʻoe e ʻike i ke kumu o ke ʻano o kēia mau ʻano moraki a pehea e hana ai.
ʻO ka moraki uku paʻa he koho hōʻaiʻē home me ka uku paneʻe kikoʻī no ka manawa holoʻokoʻa o ka hōʻaiʻē. ʻO ka mea nui, ʻaʻole e loli ka uku pānaʻi moraki i ka wā e ola ana ka hōʻaiʻē a e mau ana ka ukupanee a me nā uku kumu o ka mea hōʻaiʻē i kēlā me kēia mahina.
30 Makahiki Paʻa Paʻa Loan: ʻO ka uku paneʻe o 5,375% (5,639% APR) no ke kumu kūʻai o 2,00 point(s) ($6.000,00) i uku ʻia ma ka pani ʻana. Ma kahi moraki $300,000, e uku ʻoe i kēlā me kēia mahina he $1,679.92. ʻAʻole i loko o ka uku mahina ka ʻauhau a i ʻole nā uku inikua. ʻOi aku ka nui o ka uku maoli. ʻO ka uku ke manaʻo nei i kahi lakene loan-to-value (LTV) o 79,50%.
ʻO Excel ka hoʻokaʻawale ʻana
ʻO Amortization ke kaʻina o ka uku ʻana i kahi ʻaiʻē me nā uku maʻamau i hana ʻia i ka manawa. Hoʻopili nā uku paʻa i ke kumu a me ka ukupanee ma ka moʻokāki, a e liʻiliʻi nā uku ukupanee i loko o ka papa hana uku.
Ma ka hihia o nā moraki, loaʻa ka amortization i kēlā me kēia manawa i uku ʻia. ʻElua ʻāpana o ka uku: ukupanee a me ke kumupaʻa, a inā he uku paʻa ka uku, e like mau ka huina o kēia mau ʻāpana ʻelua. Ua helu ʻia ka uku paneʻe ma ke ʻano he pākēneka o ke kumupaʻa i koe a hiki ke hoʻololi ʻia e ka ʻaiʻē o ka mea ʻaiʻē; ʻO ke kumupaʻa ka huina i ʻaiʻē ʻia e ka mea nāna e hāʻawi aku, a ʻo ke kumupaʻa i hoʻemi ʻia i nā uku kūʻē iā ia ua kapa ʻia ʻo ke koena.
I ka nui o na moraki, e emi ana ka huina i ukuia i kela mahina keia mahina ma ka uku panee, oiai e pii mau ana ka huina aie ma ke kumupaa a hiki i ka oi ana o na uku i ke kumupaa mamua o na uku panee. ʻO ka helu o ka emi ʻana o ke koena i kapa ʻia ʻo ka papa hana amortization.
hōʻaiʻē serial Excel
Ma ka waiho ʻana i kēia palapala, ʻae wau i ka American Financing e hoʻokaʻaʻike mai iaʻu, me ka hoʻohana ʻana i kahi autodialer, leo a i ʻole kikokikona, ma ka helu ma luna, ʻoiai ke helu ʻia kaʻu helu kelepona ma kekahi papa inoa "Do Not Call". ». Hiki iaʻu ke koho i ka lā a me ka manawa kūpono iaʻu. Maopopo iaʻu ʻaʻole pono iaʻu e ʻae i ka loaʻa ʻana o ia mau kelepona a i ʻole nā leka uila e kūʻai aku i nā waiwai a i ʻole nā lawelawe mai ka American Financing. Hoʻomaopopo pū wau ʻaʻole kaʻana like ʻo American Financing i kaʻu ʻike pili me nā hui pili a i ʻole nā ʻaoʻao ʻekolu.
ʻO ka amortization ka uku o ka aie i ka manawa. Hōʻike kā mākou helu helu amortization i ka haki ʻana o kāu uku moraki e pili ana i ka nui o ka hōʻaiʻē, ka manawa hōʻaiʻē, a me ka uku uku. E hoʻomanaʻo i ka lōʻihi o ka manawa, ʻoi aku ka lōʻihi o ka uku ʻana i ke kapikala.
He mea maʻamau no nā makahiki mua o ka uku ʻaiʻē e hele mua i ka ukupanee. He ʻoiaʻiʻo kēia inā ʻoe e koho i ka moraki kaulana 30 makahiki. Akā, mai ʻae i kāu papa hana uku hōʻaiʻē e kāohi iā ʻoe mai ke kūʻai ʻana i home.
hōʻaiʻē amortizable
ʻO ka hōʻaiʻē amortized he ʻano o ka hōʻaiʻē me nā uku manawa i hoʻonohonoho ʻia e pili ana i ka nui kumu o ka hōʻaiʻē a me ka ukupanee i loaʻa. ʻO ka uku hōʻaiʻē i hoʻokaʻawale ʻia e uku mua i ka uku ukupanee no ka manawa, a ma hope o ke koena o ka uku e hoʻemi i ka huina kumu. Ma waena o nā hōʻaiʻē amortized maʻamau, ʻo nā hōʻaiʻē kaʻa, nā hōʻaiʻē home, a me nā hōʻaiʻē pilikino mai kahi panakō no nā papahana liʻiliʻi a i ʻole ka hoʻohui ʻana i nā aie.
Ua helu ʻia ka ukupanee ma kahi hōʻaiʻē amortized ma muli o ke koena hope loa o ka hōʻaiʻē; Ke emi nei ka nui o ka ukupanee i ka wā e uku ʻia ai. ʻO kēia no ka mea, ʻo ka uku i ʻoi aku ka nui o ka uku paneʻe e hōʻemi ana i ke kumupaʻa, kahi e hōʻemi ai i ke koena i helu ʻia ai ka ukupanee. Ke emi nei ka hapa ukupanee o kahi hōʻaiʻē amortized, piʻi ka ʻāpana kumu. No laila, he pilina pili ka ukupanee a me ke kumupaʻa i loko o nā uku i ke ola o ka hōʻaiʻē amortized.
ʻO kahi hōʻaiʻē amortized ka hopena o nā helu helu. ʻO ka mea mua, ua hoʻonui ʻia ke koena o ka hōʻaiʻē o kēia manawa e ka uku panee e pili ana i ka manawa o kēia manawa e ʻike ai i ka uku panee no ka manawa. (Hiki ke puunaueia ka uku panee makahiki e 12 no ka loaa ana o ka uku mahina.) ʻO ka unuhi ʻana i ka ukupanee no ka manawa mai ka huina o ka uku o kēlā me kēia mahina e loaʻa ai ka nui o ke kumupaʻa i uku ʻia no ka manawa.
